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Beardstown Savings, S.B.

Beardstown, IL · Cert 30043

SI · FDIC · 2 branches

Q2 2026

$79.5MAssets
$42.5MLoans
$60.8MDeposits
$7.3MEquity
Loan mix
85%RE $35.6M4%C&I $1.5M11%Consumer $4.8MQ3 2024Q2 2026
Deposit mix
98%Interest-bearing $59.6M2%Noninterest $1.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.65%, down 82 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 1.15% of loans (-77 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 10.55%, down 42 bps from a year ago.
  • Funding: loans stand at 69.84% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.65%-82 bps YoY

Net Interest Margin (quarter, annualized)

3.43%+27 bps YoY

Efficiency Ratio (quarter, annualized)

77.84%+455 bps YoY

Tier 1 Leverage Ratio

10.55%-42 bps YoY

NIM

4.73%Q2 ’244.93%Q2 ’255.15%Q2 ’26+4%+8%

Non-interest income vs. expense

2.70%Q2 ’242.53%Q2 ’252.85%Q2 ’26-6%+17%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.37%0.39%0.68%1.47%0.52%0.31%0.79%0.65%-82 bps
Return on Equity4.14%4.53%8.21%17.44%5.85%3.26%8.35%7.02%-1,042 bps
Net Interest Margin2.97%2.92%2.94%3.16%3.28%3.18%3.38%3.43%+27 bps
Efficiency Ratio86.63%87.12%71.09%73.29%77.66%84.82%76.93%77.84%+455 bps
Non-Interest Burden2.53%2.50%1.98%2.24%2.49%2.66%2.55%2.62%+38 bps
Growth
Asset Growth (YoY)7.52%9.11%7.38%9.92%5.63%2.93%9.66%9.68%-23 bps
Loan Growth (YoY)5.21%6.22%1.55%1.08%2.54%0.36%3.57%5.36%+428 bps
Deposit Growth (YoY)-2.45%4.22%0.63%4.16%5.83%1.29%10.48%11.52%+736 bps
Asset Quality
Nonperforming Loans / Loans1.03%2.06%2.28%1.92%1.49%1.45%1.38%1.15%-77 bps
Net Charge-Offs / Loans0.51%0.05%0.03%0.19%0.01%0.16%-0.01%-0.02%-21 bps
Allowance / Loans1.05%1.01%1.02%0.70%0.68%0.63%0.63%0.62%-8 bps
Allowance Coverage of NPLs1.0x0.5x0.4x0.4x0.5x0.4x0.5x0.5x+0.2x
Capital
Tier 1 Leverage Ratio11.47%10.92%10.86%10.97%11.15%10.99%10.53%10.55%-42 bps
Total Risk-Based Capital20.49%19.95%20.23%20.60%20.62%20.70%20.54%20.72%+12 bps
Equity / Assets9.15%8.24%8.39%8.44%9.41%9.74%9.21%9.20%+76 bps
Liquidity & Funding
Loans / Deposits79.91%77.15%74.76%73.92%77.43%76.45%70.08%69.84%-408 bps
Liquid Assets / Assets0.86%1.82%3.24%1.80%0.48%0.18%4.57%2.04%+24 bps
CRE / Total Capitaln/an/an/an/a63.82%63.07%98.76%n/an/a